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1st SourceSRCE -0.12%66 PEG Ratio is 1.57 as of Aug. 02, 2026, which is 21% below its 10-year median of 1.99. GuruFocus rates SRCE with a GF Score™ of 66/100 and a GF Value™ of $69.87 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,231 Banks companies, 1st Source ranks worse than 50.2% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, 1st Source's PE Ratio without NRI is 12.89. 1st Source's 5-Year Book Value growth rate is 8.20%. Therefore, 1st Source's PEG Ratio for today is 1.57.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for 1st Source's PEG Ratio or its related term are showing as below:
SRCE'
s PEG Ratio Range Over the Past 10 Years
Min: 1.13 Med: 1.99 Max: 3.72
Current: 1.57
During the past 13 years, 1st Source's highest PEG Ratio was 3.72. The lowest was 1.13. And the median was 1.99.
SRCE's PEG Ratio is ranked worse than 50.2% of 1231
companies
in the Banks industry
Industry Median: 1.56
vs SRCE: 1.57
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
1st Source PEG Ratio Related Terms
1st Source PEG Ratio Historical Data
* Premium members only.
The historical data trend for 1st Source's PEG Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, 1st Source's PEG Ratio, along with its competitors' market caps and PEG Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
1st Source PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, 1st Source's PEG Ratio distribution charts can be found below:
* The bar in red indicates where 1st Source's PEG Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
1st Source (SRCE) has a PEG Ratio of 1.57 as of Aug. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on 1st Source and its competitors. This is 21% below median its historical median of 1.99. Over the past decade, 1st Source's PEG Ratio has ranged from 1.13 to 3.72. According to the industry distribution chart, 1st Source ranks #618 out of 1231 companies in the Banks industry, placing it in the top 50.2%.
Is 1st Source's PEG Ratio too high?
1st Source's current PEG Ratio of 1.57 is 21% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 1.13 to a high of 3.72. The Banks industry median PEG Ratio is 1.56. 1st Source's value of 1.57 is 0.6% above this industry median. Based on the distribution chart, 1st Source ranks #618 out of 1231 companies in the Banks industry, which is below the industry midpoint. Overall, 1st Source has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does 1st Source's PEG Ratio compare to HAPN and FCF?
According to the Banks industry distribution chart, 1st Source ranks #618 out of 1231 companies for PEG Ratio. This places 1st Source in the lower half of its industry. The industry median PEG Ratio is 1.56. 1st Source's value of 1.57 is 0.6% above this benchmark. Historically, 1st Source's own PEG Ratio has ranged from 1.13 to 3.72 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 1.56, 1st Source has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Source's current PEG Ratio of 1.57 is 0.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on 1st Source and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Source's current PEG Ratio is 1.57, which is 21% below median its own 10-year median of 1.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 1st Source stock overvalued right now?
Based on GuruFocus' analysis, 1st Source (SRCE) is currently considered Modestly Overvalued. The stock's GF Value™ is $69.87, compared to a current price of $89.69 — trading 28.4% above its estimated fair value. The current PEG Ratio is 1.57, which is 21% below median its 10-year median of 1.99 and 0.6% above the Banks industry median of 1.56. 1st Source's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For 1st Source (SRCE), the current PEG Ratio is 1.57 as of Aug. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is 1st Source (SRCE) Overvalued in 2026?
Based on GuruFocus' analysis, 1st Source stock appears to be overvalued.
The current stock price of $89.69 is trading 28.4% above its estimated GF Value™ of $69.87.
GuruFocus considers 1st Source to be Modestly Overvalued.
Key valuation signals for SRCE:
PEG Ratio: 1.57 (21% below median its 10-year median of 1.99)
GF Value™: $69.87 vs. price of $89.69 (28.4% above fair value)
Industry Position: 0.6% above the Banks median (#618 of 1231)
No single metric tells the full story. See the SRCE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
1st Source Corp provides specialized financing services for construction equipment, aircraft, and vehicle types through its Specialty Finance activities. The company offers commercial, small business, agricultural, and real estate loans, along with commercial leasing, treasury management, and payment services, including Fedwires, ACH, and merchant services. It also provides Renewable Energy Financing for commercial solar projects, a full range of consumer banking products, Trust and Wealth Advisory Services, and insurance products. The company operates in the commercial banking segment, which provides commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and business clients across its markets.
66GF Score
Get the complete analysis for SRCE
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